Green Dot’s GoBank, announced this week in San Francisco, attempts to push mobile banking forward by making banking mobile-only. And the company seems to believe the GoBank app will delight account holders so much that they will voluntarily pay for the privilege of using it.

“Our bank was created from scratch,” Green Dot founder and CEO Steve Streit said at GoBank’s San Francisco unveiling. “It’s not a mobile app that was bolted onto an online version of a brick-and-mortar bank.”

Streit says GoBank starts from the premise that the mobile banking experience as delivered by big banks’ apps feels like an afterthought. For GoBank, mobile isn’t just a priority. It is the bank.